Having an RV can be a great adventure for you and your family, but it is important to know that your investment is protected with the right RV insurance as well. When you are insuring your RV, it is important that you are truthful about how you plan to use your RV. RV insurance is different depending on whether you just use your RV for occasional vacations or if you plan on living in it full time. RV insurance regulations also differ from state to state and it is important to talk to your insurance agent about where you plan to use your RV to make sure you have the coverage you need. Some families even take their RVs across the border to Canada or Mexico, so make sure you discuss your plans thoroughly and if your plans change at a later date, check in again with your insurance agent.
As with many things, when it comes to RV insurance, cheap and quick options don’t always give you the coverage you need later on. If you only use your RV recreationally, the contents are generally covered by your homeowner’s insurance policy, but you will need to make sure with your agent. If your RV is your residence, you will need to make sure your policy includes its contents.
Another feature to consider is adding personal liability so that if anyone is injured in or near your RV while your RV is parked, you have coverage. Do you have somewhere to live while your RV is being repaired? Coverage that includes additional living expenses will pay for alternate living space while you wait. Towing service is another feature to consider. Work with your insurance agent to get you the RV insurance you need.